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MyPower No Fee

No fees. Not ever.

MyPower Credit CardKeep more power - and more money - in your wallet.

MyPower offers low interest rates that big banks just can’t match. Discover the difference a low-cost credit card can make. Save on annual membership, late payments, balance transfers and other fees. Transfer high-interest debt to the zero-fee card to help your daily cash flow.

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Benefits Features
Same day reissue for new accounts and damaged cards Zero Liability when you notify us promptly at 800.854.9846
$0 annual fees Mastercard ID Theft ProtectionTM
$0 late fees Chip technology
$0 balance transfer fees Emergency Replacement
$0 cash advance fees Travel and text alerts
0% foreign transaction fees

Digital wallet compatibility with Apple PayTM, Samsung PayTM, and Google PayTM


Manage Credit Cards with Online Banking

Check balances, make payments, freeze your card, set alerts, apply for credit limit increases, and more.

It’s easy and secure.

Enroll in Credit Card eStatements

View and download eStatements to reduce your risk of mail fraud and identity theft.

Debt Cancellation Protection1

This protection helps cover all, or a portion of, your credit card and auto loan debts in case of death, disability, or involuntary unemployment.

2.99% Balance Transfer Promotional Offer2

Enjoy a 2.99% introductory APR on balance transfers for 18 months when requested within 90 days of account opening. Use it to pay-off higher rate credit cards from other institutions with no transfer fee. After the intro period, the rate will convert to our standard variable APR of between 8.24% to 18.00.

*APR = Annual Percentage Rate. Rates for purchases, cash advances, and balance transfers may vary and are subject to change. This is Kinecta’s most recent published rate.


Subject to credit approval. You must be 18 years old to qualify (19 in AL and NE).

Kinecta cardholders with an existing credit card are not eligible for a second credit card of the same type.

1Debt Cancellation Protection. Available for personal credit cards and auto loans and is optional. Debt Cancellation will not affect your application for credit or the terms of any existing credit agreement you have with Kinecta. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under Debt Cancellation. For a full explanation of terms, contact a Kinecta branch or call our Member Contact Center at 800.854.9846.

2Balance Transfer Offer. In order to receive the balance transfer introductory rate of 2.99% APR for 18 months, a balance transfer must be requested within ninety (90) days of account opening (minimum $500 transfer). Allow 15-30 business days to complete balance transfer. This balance transfer request may not be used to repay any existing Kinecta loans including but not limited to auto loans, mortgage loans, lines of credit, or Kinecta credit cards.

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Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.